Visa consumer card benefits

Visa Traditional Credit Card benefits

Every Visa card comes with peace of mind built in

Certain restrictions, limitations and exclusions apply and benefit configuration may vary. Please refer to your Guide to Benefits or contact your issuer for full program terms and conditions, and to confirm specific coverage levels.

Please note: This benefit is available on all Visa cards.

Product and service information at your fingertips

Cardholder Inquiry Service provides customer phone support for general inquiries and provides product or service information to all Visa cardholders.

Benefit at a glance

24-hour cardholder information and assistance by phone to all Visa cardholders calling from anywhere in the world, provided by Visa Global Customer Care Services. Toll-free numbers are supported 24 hours a day, seven days a week.

Benefit details

With the Visa Lost/Stolen Card Reporting service, reporting a lost or stolen card is simple. Just call Visa Global Customer Care Services at 1-800-847-2911, or call one of our global toll-free numbers and a Visa representative will work with you to notify the appropriate parties and replace your card.

Have a lost, stolen or damaged card? Need emergency cash?

Visa will block your card (if the card number is known) and connect you with your financial institution/Bank. Following bank approval, cardholders can also get an emergency card replacement within one to three business days*. Alternatively, Visa can arrange for cash to be available at a location near you usually within hours of your bank’s approval.

*Some restrictions/limitations apply

If your Visa card is ever lost or stolen, we’ll help you notify the appropriate parties and replace your card.

Receive auto coverage for damage due to collision or theft. To activate the coverage, complete the entire rental transaction with your eligible Visa card and decline the rental company's collision damage waiver (CDW) coverage if offered by the auto rental company. Available to all Visa Standard Credit, Visa Rewards Credit, Visa Signature®, Visa Signature Preferred® and Visa Premium Rewards cardholders. It may also be available on other card products, call your issuer to see if you have this benefit.

Add Peace of Mind to your Itinerary

When you use your covered Visa Card to reserve and pay for your entire auto rental, you can be covered for damage to the rental vehicle that results from a collision or theft.

Decline the CDW coverage offered to you at the rental agency, and make sure your name is listed as the primary renter on the auto rental contract. Any additional drivers must also be listed on the auto rental agreement. You’ll also want to be sure that you rent a “covered vehicle” – for example, trucks and luxury cars are not covered.

Please keep in mind that you will want to read the full terms and conditions for further details including restrictions, limitations, and exclusions or check with your card issuer for a copy of your Guide to Benefits, as benefit configuration may vary.

Below you will find answers to some of the most commonly asked questions about the benefit.

Q: What do I need to do when reserving a rental car to be eligible for coverage?

A: You must secure and charge the rental in full on the covered card and you must decline the Collision or Loss Damage Waiver at the rental agency. For personal cards, the name embossed on the card must be listed as the primary renter on the Rental Agreement, and all authorized drivers must be listed on the Rental Agreement. You also must follow all of the terms and conditions of the Rental Agreement.

Q: How does the benefit work for domestic auto rentals?

A: For domestic rentals this benefit covers the rental vehicle for physical damage, vandalism, and theft. Coverage does not apply to lost or stolen personal belongings, injury to anyone, medical expenses, or personal liability. You may rent the vehicle for up to 15 consecutive days per contract. And you must report damages to Card Benefit Services within 45 days of the incident. Coverage is supplemental to and excess of your personal automobile insurance.

Q: How does the benefit work for international auto rentals?

A: For international rentals this benefit is primary, and covers the rental vehicle for physical damage, vandalism, and theft. Coverage does not apply to lost or stolen personal belongings, injury to anyone, medical expenses, or personal liability. You may rent the vehicle for up to 31 consecutive days per contract. And you must report damages to Card Benefit Services within 45 days of the incident. Coverage is not available in Jamaica, Ireland, or Israel. It is not available where it is prohibited by law or by individual merchants, or is in violation of the territory terms of the rental agreement.
Please note: Regulations vary outside the United States, so we recommend that you check with your auto rental company before you travel to make sure this benefit will apply.

If you happen to be renting a vehicle in Australia, New Zealand, Costa Rica, or Italy, please note: often the purchase of a minimum level of collision damage coverage is mandated in these countries. In that case, your benefit is supplemental to that required coverage.

Q: I see that for domestic rentals this coverage is considered “secondary” – what does that mean?

A: “Secondary coverage” means that if you have other insurance that covers the theft or damage, the other coverage gets applied to the loss first, and this benefit helps to reimburse you for what’s left over (e.g. the deductible portion of your personal automobile insurance and any unreimbursed portion of valid administrative and loss-of-use charges imposed by the rental car company, as well as reasonable towing charges resulting from covered theft or damage of the rental vehicle while it is your responsibility.)

If you do not have other insurance that covers this theft or damage, then this benefit is considered primary, and will reimburse you for the covered theft or damage as well as valid administrative and loss-of-use charges imposed by the auto rental company and reasonable towing charges that occur while you are responsible for the rental vehicle.

Q: What kinds of vehicles are covered? Not covered?

A: Covered vehicles include economy through luxury class automobiles, vans that do not seat more than 8 passengers including the driver; SUV’s only when driven on-road. All other vehicles are excluded including trucks, cargo vans and expensive vehicles.

Q: What do I have to know in the event I have to file a claim?

A: You are responsible for gathering the necessary documentation to complete your claim. Please note that you must sign and return your claim form (or if you prefer file online) within 90 days of the date of incident regardless of whether you have received any other required documentation. All documents must be submitted within 365 days of the incident. The required documents are listed on the claim form, and include:

Initial rental agreement & final rental agreement

Copy of your monthly billing statement showing the charge of the rental

Copy of personal automobile insurance Declaration Page (Domestic Rentals Only) effective at date of incident OR a notarized statement of no insurance

Use your Visa card to make purchases anywhere and you’re protected from unauthorized use of your card or account information. With the Visa Zero Liability policy1, your liability for unauthorized transactions2 is $0—you pay nothing.

1 Visa’s Zero Liability policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use. Contact your issuer for more detail.

2 Financial institutions may exclude from the Zero Liability policy a transaction made by a person authorized to transact business on the account and/or a transaction made by a cardholder that exceeds the authority given by the account owner.

As a Visa cardholder, you have access to Roadside Dispatch®, a pay-per-use roadside assistance program.

Simply call 1-800-847-2869, 24 hours a day/7 days a week and Roadside Dispatch will ask you where you are, what the problem is, and will remain on the phone while arranging a dispatch to a reliable tow operator or locksmith – you pay set rate per service call. No membership required and you don’t need to pre-enroll. No annual dues. No limit on usage.

Add Peace of Mind to your Itinerary

You pay $59.95 for the service call ($69.95 beginning October 1, 2017), and it can include:

Towing — Up to 5 miles included. You can pay to have the car towed farther.

Tire Changing — you must have a good, inflated spare tire

Jump Starting — battery boost

Lockout Service — doesn’t include key replacement

Fuel Delivery — up to 5 gallons (you pay the cost of the fuel, too)

Winching (your car must be within 100 feet of paved or county maintained road)

Not only will you not have to search for the name of a local tow operator, you may even save money because rates are pre-negotiated. All fees are conveniently billed to your Visa account.

Please keep in mind that you will want to read the full terms and conditions for further details including restrictions, limitations, and exclusions or check with your card issuer for a copy of your Guide to Benefits.

Below you will find answers to some of the most commonly asked questions about the benefit.

Q: Who are the service providers and what do they provide?

A: Service providers are independent contractors that provide emergency roadside assistance and towing services. All contractors are solely liable for their services.

Q: What other fees or limitation should I keep in mind?

A: Towing rates apply to vehicles with a weight of up to one-ton gross vehicle weight. If you require a tow for more than 5 miles, you must pay the cost beyond 5 miles. If a secondary unit being towed behind is not included, it can be accommodated for an additional fee.

Additional fees may apply for winching services under certain circumstances.

You are responsible for any roadside assistance or towing charges incurred by facilities responding to your request even if you are not with your vehicle or your vehicle is gone upon their arrival.

Visa Signature card benefits

All the perks of a traditional Visa card, plus an added layer of privileges.

Certain restrictions, limitations and exclusions apply and benefit configuration may vary. Please refer to your Guide to Benefits or contact your issuer for full program terms and conditions, and to confirm specific coverage levels.

As a Visa cardholder, you have access to Roadside Dispatch®, a pay-per-use roadside assistance program.

Simply call 1-800-847-2869, 24 hours a day/7 days a week and Roadside Dispatch will ask you where you are, what the problem is, and will remain on the phone while arranging a dispatch to a reliable tow operator or locksmith – you pay set rate per service call. No membership required and you don’t need to pre-enroll. No annual dues. No limit on usage.

Add Peace of Mind to your Itinerary

You pay $59.95 for the service call ($69.95 beginning October 1, 2017), and it can include:

Towing — Up to 5 miles included. You can pay to have the car towed farther.

Tire Changing — you must have a good, inflated spare tire

Jump Starting — battery boost

Lockout Service — doesn’t include key replacement

Fuel Delivery — up to 5 gallons (you pay the cost of the fuel, too)

Winching (your car must be within 100 feet of paved or county maintained road)

Not only will you not have to search for the name of a local tow operator, you may even save money because rates are pre-negotiated. All fees are conveniently billed to your Visa account.

Please keep in mind that you will want to read the full terms and conditions for further details including restrictions, limitations, and exclusions or check with your card issuer for a copy of your Guide to Benefits.

Below you will find answers to some of the most commonly asked questions about the benefit.

Q: Who are the service providers and what do they provide?

A: Service providers are independent contractors that provide emergency roadside assistance and towing services. All contractors are solely liable for their services.

Q: What other fees or limitation should I keep in mind?

A: Towing rates apply to vehicles with a weight of up to one-ton gross vehicle weight. If you require a tow for more than 5 miles, you must pay the cost beyond 5 miles. If a secondary unit being towed behind is not included, it can be accommodated for an additional fee.

Additional fees may apply for winching services under certain circumstances.

You are responsible for any roadside assistance or towing charges incurred by facilities responding to your request even if you are not with your vehicle or your vehicle is gone upon their arrival.

Receive auto coverage for damage due to collision or theft. To activate the coverage, complete the entire rental transaction with your eligible Visa card and decline the rental company's collision damage waiver (CDW) coverage if offered by the auto rental company. Available to all Visa Standard Credit, Visa Rewards Credit, Visa Signature®, Visa Signature Preferred® and Visa Premium Rewards cardholders. It may also be available on other card products, call your issuer to see if you have this benefit.

Auto Rental Collision Damage Waiver

When you use your covered Visa Card to reserve and pay for your entire auto rental, you can be covered for damage to the rental vehicle that results from a collision or theft.

Add Peace of Mind to your Itinerary

Decline the CDW coverage offered to you at the rental agency, and make sure your name is listed as the primary renter on the auto rental contract. Any additional drivers must also be listed on the auto rental agreement. You’ll also want to be sure that you rent a “covered vehicle” – for example, trucks and luxury cars are not covered.

Easy Claims Process

Collect your documents (auto rental agreement, rental dates, etc.), and go to www.eclaimsline.com or call 1-800 348-8472 . If outside the U.S. call one of our toll-free numbers to file a claim or get your questions answered.

Please keep in mind that you will want to read the full terms and conditions for further details including restrictions, limitations, and exclusions or check with your card issuer for a copy of your Guide to Benefits, as benefit configuration may vary.

Below you will find answers to some of the most commonly asked questions about the benefit.

Q: What do I need to do when reserving a rental car to be eligible for coverage?

A: You must secure and charge the rental in full on the covered card and you must decline the Collision or Loss Damage Waiver at the rental agency. For personal cards, the name embossed on the card must be listed as the primary renter on the Rental Agreement, and all authorized drivers must be listed on the Rental Agreement. You also must follow all of the terms and conditions of the Rental Agreement.

Q: How does the benefit work for domestic auto rentals?

A: For domestic rentals this benefit covers the rental vehicle for physical damage, vandalism, and theft. Coverage does not apply to lost or stolen personal belongings, injury to anyone, medical expenses, or personal liability. You may rent the vehicle for up to 15 consecutive days per contract. And you must report damages to Card Benefit Services within 45 days of the incident. Coverage is supplemental to and excess of your personal automobile insurance.

Q: How does the benefit work for international auto rentals?

A: For international rentals this benefit is primary, and covers the rental vehicle for physical damage, vandalism, and theft. Coverage does not apply to lost or stolen personal belongings, injury to anyone, medical expenses, or personal liability. You may rent the vehicle for up to 31 consecutive days per contract. And you must report damages to Card Benefit Services within 45 days of the incident. Coverage is not available in Jamaica, Ireland, or Israel. It is not available where it is prohibited by law or by individual merchants, or is in violation of the territory terms of the rental agreement. Please note: Regulations vary outside the United States, so we recommend that you check with your auto rental company before you travel to make sure this benefit will apply.

If you happen to be renting a vehicle in Australia, New Zealand, Costa Rica, or Italy, please note: often the purchase of a minimum level of collision damage coverage is mandated in these countries. In that case, your benefit is supplemental to that required coverage.

Q: I see that for domestic rentals this coverage is considered “secondary” – what does that mean?

A: “Secondary coverage” means that if you have other insurance that covers the theft or damage, the other coverage gets applied to the loss first, and this benefit helps to reimburse you for what’s left over (e.g. the deductible portion of your personal automobile insurance and any unreimbursed portion of valid administrative and loss-of-use charges imposed by the rental car company, as well as reasonable towing charges resulting from covered theft or damage of the rental vehicle while it is your responsibility.)

If you do not have other insurance that covers this theft or damage, then this benefit is considered primary, and will reimburse you for the covered theft or damage as well as valid administrative and loss-of-use charges imposed by the auto rental company and reasonable towing charges that occur while you are responsible for the rental vehicle.

Q: What kinds of vehicles are covered? Not covered?

A: Covered vehicles include economy through luxury class automobiles, vans that do not seat more than 8 passengers including the driver; SUV’s only when driven on-road. All other vehicles are excluded including trucks, cargo vans and expensive vehicles.

Q: What do I have to know in the event I have to file a claim?

A: You are responsible for gathering the necessary documentation to complete your claim. Please note that you must sign and return your claim form (or if you prefer file online) within 90 days of the date of incident regardless of whether you have received any other required documentation. All documents must be submitted within 365 days of the incident. The required documents are listed on the claim form, and include:

Initial rental agreement & final rental agreement

Copy of your monthly billing statement showing the charge of the rental

Copy of personal automobile insurance Declaration Page (Domestic Rentals Only) effective at date of incident OR a notarized statement of no insurance

Extend Your Warranty’s Time Period

When you use your covered Visa Signature card for your purchase, Warranty Manager Service will extend the life of your existing U.S. manufacturer’s warranty of 3 years or less. For warranties of less than one year, the term is doubled; for warranties of 1 year up to 3 years, the warranty is extended for an extra year.

Easy Product Registration and Claim Process

When you make a purchase, you can register your product online - that way the Claim Center will have all the pertinent information readily available should you need to file a claim later.

Please keep in mind that you will want to read the full terms and conditions for further details including restrictions, limitations, and exclusions or check with your card issuer for a copy of your Guide to Benefits.

Below you will find answers to some of the most commonly asked questions about the benefit:

FAQs:

Q: How does Warranty Manager Service work?

A: This benefit doubles the time period of the original manufacturer’s warranty. For terms of less than a year, the warranty is doubled, and for terms of 1 to 3 years, the warranty is extended by one year. So, for example, if the original warranty were for 6 months, this benefit would double the warranty for an additional 6 months so you would have a total of 1 year of coverage; if the original warranty were for 2 years, this benefit would extend the warranty for an additional year so you would have a total of 3 years of coverage. There is a per claim maximum and a per cardholder maximum. Please see full terms and conditions of the benefit for more details.

Q: What are the limitations?

A: You will want to read the full terms and conditions, but here are some examples: the item must be purchased with your covered Visa card, and the extension of the warranty’s time period applies to U.S. warranties only. Some items are excluded from coverage, such as motorized vehicles, real estate, computer software, medical equipment, and items that are pre-owned or used.

Q: Are purchases that I make outside of the United States covered?

A: Yes, as long as you use your covered Visa card for the purchase and the eligible item has a valid original manufacturer’s written U.S. repair warranty of 3 years or less, store purchased dealer warranty, or assembler warranty.

Q: What are the timelines for filing a claim?

A: You must notify the Benefit Administrator within 60 days of the failure, and submit your completed claim form within 90 days of the failure.

Q: What paperwork do I need to submit with my claim?

A: In addition to the claim form, you will need the following:

An itemized sales receipt for the purchase – if you don’t have this, the store where you made the purchase may be able print a duplicate receipt for you

Your Visa billing statement showing the purchase – your bank can usually make a copy for you

A copy of the original manufacturer’s warranty – a copy can usually be downloaded and printed from the manufacturer’s website

The Benefit Administrator may ask you to provide additional information, such as a repair estimate (if applicable).

If you have any questions or are experiencing difficulty obtaining documents, simply call 1-800-551-8472. If outside the United States, call collect at one of our toll free numbers.

Q: How long does it take for you to decision the claim?

A: In most cases, once the Benefit Administrator has all the paperwork they need to process the claim, a decision will be made within five business days. The Benefit Administrator will send you notification of their decision.

Get a detailed yearly report of your card spending to simplify budgeting and financial planning. All of your spending will be organized into categories such as Travel and Entertainment and Restaurants and Merchandise. If you need more details, you can get a list of all your transactions from the year.

Call anytime for Travel or Emergency Assistance, available for covered Visa cardholders from anywhere in the world.

Travel and Emergency Assistance Services

When you are traveling or working anywhere in the world, your covered Visa Card gets you access to a multilingual call center—24 hours a day, 365 days a year—to help get the assistance you need. Covered Visa cardholders, their spouses and dependent children under 22 years of age or under who are traveling with them can call a dedicated toll-free number in the United States, or call collect when traveling abroad. Keep in mind this program provides assistance only. Cardholders are responsible for the cost of any services received.

Emergency Message Service can relay emergency messages for travelers and is available 24 hours a day.

Prescription Assistance and Valuable Document Delivery Arrangements can accommodate unexpected prescription needs or transport critical documents (e.g. passport or travel visa), which may have been left at home or elsewhere.

Emergency Ticket Replacement arranges for the replacement and delivery of new tickets, and assists with ticket reimbursement procedures.

Lost Luggage Locator Service can help you through the common carrier’s claim procedures or can arrange shipment of replacement items if an airline or common carrier loses your checked luggage.

Emergency Translation Service provides telephone assistance in all major languages and helps find local interpreters, if available.

Easy Access

Call 1-800-992-6029 (Outside the U.S. call one of our toll free numbers) to get your questions answered. This benefit is provided on a best-effort basis, and may not be available due to problems of time, distance, or location.

Please keep in mind that you will want to read the full terms and conditions for further details including restrictions, limitations, and exclusions or check with your card issuer for a copy of your Guide to Benefits.

Visa Infinite card benefits

All the perks of a Signature Visa card, plus an added layer of privileges.

Certain restrictions, limitations and exclusions apply and benefit configuration may vary. Please refer to your Guide to Benefits or contact your issuer for full program terms and conditions, and to confirm specific coverage levels.

Use your Visa Infinite card for your purchase and you get extra return protection anytime you make an eligible purchase of an item up to $300. If within 90 days you become dissatisfied with your purchase and the merchant will not accept your return, then Return Protection is there to help. Available to all Visa Infinite cardholders. It may also be available on other card products, call your issuer to see if you have this benefit.

Easy claim process

Go to www.cardbenefitservices.com or call 1-888-221-3289 within 90 days of the date of purchase to file a claim or get your questions answered.

Please keep in mind that you will want to read the full terms and conditions for further details including restrictions, limitations and exclusions. You can also check with your card issuer for a copy of your Guide to Benefits.

Below you will find answers to some of the most commonly asked questions about the benefit.

Q: What if the store already offers a guarantee?

A: This benefit pays in excess of applicable store guarantees or other return benefits you have. That means that if the store where you made your purchase refunds you in full for your purchase price, this benefit does not apply. But, if you do not receive your full purchase price or the store will not accept your return, this benefit is there to help you recover some of these expenses. Because many stores have a 30-day guarantee, if you file a claim within the first 30 days of purchase you may be asked to submit proof of the store’s return policy. You can be reimbursed under this benefit once all other coverage has been exhausted up to the coverage limit.

Q: What are the timelines for filing a claim?

A: You must notify the Benefit Administrator within 90 days of the purchase, and submit your completed claim form and supporting documentation within 30 days of notifying the Benefit Administrator of the claim.

Q: What do I need to submit with my claim?

A: In addition to the claim form, you will need the following:

An itemized sales receipt for the purchase — if you don’t have this, the store where you made the purchase may be able to print a duplicate receipt for you

Your Visa Infinite card billing statement showing the purchase — your bank can usually make a copy for you

The original receipt demonstrating that the entire purchase was made on your Visa Infinite card

The Benefit Administrator may ask you to provide additional information — you will have an additional 60 days to provide this

Once the claim information is complete, the customer service representative will provide instructions for shipping the item with its original packaging and any applicable manuals and warranties to Card Benefit Services at your expense.

Please note that Card Benefit Services must receive the item in like-new/good working condition before the claim can be approved.

If you have any questions or are experiencing difficulty obtaining documents, simply call 1-888-221-3289 for assistance.

Q: How long does it take for you to decision the claim?

A: Under normal circumstances, once the Benefit Administrator has all the paperwork they need to process the claim, a decision will be made within five business days. The Benefit Administrator will send you notification of their decision.

Receive auto coverage for damage due to collision or theft. To activate the coverage, complete the entire rental transaction with your eligible Visa Infinite card and decline the rental company's collision damage waiver (CDW) coverage if offered by the auto rental company. Available to all Visa Infinite cardholders. It may also be available on other card products, call your issuer to see if you have this benefit.

When you use your Visa Infinite card to rent a vehicle you’ll get built-in Auto Rental Coverage. You’re covered for physical damage, vandalism and theft, reasonable towing and loss of use charges.

Add Peace of Mind to your Itinerary

Decline the CDW coverage offered to you at the rental agency, and make sure your name is listed as the primary renter on the auto rental contract. Any additional drivers must also be listed on the auto rental agreement. You’ll also want to be sure that you rent a “covered vehicle” – for example, trucks and luxury cars are not covered.

Easy Claims Process

Go to www.eclaimsline.com or call 1-800-546-9806 (outside the U.S. call collect 1-804-673-7481) to initiate your claim. You must sign and return your claim form (or if you prefer, file online) within 90 days of the date of incident — you can supply any outstanding documentation afterwards.

Please keep in mind that you will want to read the full terms and conditions for further details including restrictions, limitations, and exclusions or check with your card issuer for a copy of your Guide to Benefits, as benefit configuration may vary.

Below you will find answers to some of the most commonly asked questions about the benefit.

Q: What do I need to do when reserving a rental car to be eligible for coverage?

A: You must reserve and charge the rental in full on your Visa Infinite card and you must decline the Collision or Loss Damage Waiver offered by the rental agency. The name embossed on the card must be listed as the primary renter on the rental agreement and all authorized drivers must be listed on the rental agreement. You also must follow all of the terms and conditions of the rental agreement.

Q: How does the benefit work for domestic auto rentals?

A: For domestic rentals, this benefit covers the rental vehicle for physical damage, vandalism and theft. Coverage does not apply to lost or stolen personal belongings, injury to anyone, medical expenses or personal liability. Within your country of residence, you may rent the vehicle for up to 15 consecutive days per contract and you must report damages to the Benefit Administrator within 45 days of the incident. Coverage is up to the actual cash value of the rental vehicle as it was originally manufactured.

Q: How does the benefit work for international auto rentals?

A: For international rentals, this benefit covers the rental vehicle for physical damage, vandalism and theft. Coverage does not apply to lost or stolen personal belongings, injury to anyone, medical expenses or personal liability. You may rent the vehicle for up to 31 consecutive days per contract and you must report damages to the Benefit Administrator within 45 days of the incident. Coverage is not available in Jamaica, the Republic of Ireland, Northern Ireland or Israel. It is not available where it is prohibited by law or by individual merchants, or is in violation of the territory terms of the rental agreement. Please note: Regulations vary outside the United States, so it is recommended that you check with the auto rental company before you travel to make sure this benefit will apply. If you happen to be renting a vehicle in Australia, New Zealand, Costa Rica or Italy, please note: often, the purchase of a minimum level of collision damage coverage is mandated in these countries. In that case, your benefit is supplemental to that required coverage.

Q: What kinds of vehicles are covered? Not covered?

A: Covered vehicles include economy through luxury class automobiles, vans that seat nine or fewer passengers including the driver, SUVs (only when driven on-road) and expensive vehicles with an original manufacturer’s suggested retail price up to $75,000 when new. All other vehicles are excluded including trucks and cargo vans. Please contact the Benefit Administrator at 1-800-546-9806 to inquire about a specific vehicle.

Q: What do I have to know in the event I have to file a claim?

A: You are responsible for gathering the necessary documentation to complete your claim. Please note, you must sign and return your claim form (or if you prefer file online) within 90 days of the date of incident — you can supply any outstanding documentation afterwards (all documents must be submitted within 365 days of the incident). The required documents are listed on the claim form and include:

Copy of initial rental agreement and final rental agreement

Copy of your monthly billing statement showing the charge of the rental

Estimate of repairs

Itemized repair bill from the rental agency

Incident report

The Benefit Administrator may ask you to provide additional information (if applicable).

If you have any questions or are experiencing difficulty obtaining documents simply contact the Benefit Administrator.

Shop with confidence — your new purchases are protected

When you use your Visa Infinite card and your purchase is stolen or damaged within the first 90 days Purchase Security can replace, repair or reimburse the item ($10,000 maximum per claim and $50,000 maximum per year). Keep in mind that if your item is stolen, you must file a police report within 48 hours of becoming aware of the theft.

Easy claim process

Please keep in mind that you will want to read the full terms and conditions for further details including restrictions, limitations and exclusions. You can also check with your card issuer for a copy of your Guide to Benefits.

We’ve provided answers to some of the most commonly asked questions below for your convenience.

Q: What are the limitations?

A: You will want to read the full terms and conditions, but here are some examples of what does not apply for Purchase Security: the item cannot be used or preowned; the item cannot be hard-wired or installed. For example, a microwave oven that is built-in is not covered, but coverage applies for a microwave oven that sits on the countertop.

Q: What does a “$10,000 per claim occurrence” mean?

A: Per occurrence is another way of saying per event or per incident — for example, if you go to the store and make a few purchases: a flat screen television, toaster and home movie projector for your home. Later that evening you step out for dinner and upon your return notice your house has been broken into and your new purchases have been stolen. When you call the Benefit Administrator to file a claim, you would list all of the items you just purchased with your covered Visa Infinite card — the Benefit Administrator would then add all of those together to determine the total claim amount. If the items were purchased for $8,000, the benefit would reimburse for that amount. If the items totaled $11,000, the benefit would reimburse $10,000 as this is the maximum benefit limit.

The Benefit Administrator will ask you to include all of the items in your claim because there may be some items that are not eligible and they will want to be able to get you the highest reimbursement amount that you are eligible for.

Q: Are purchases that I make outside of the United States covered? What about gifts I purchase?

A: Yes, those are eligible as long as you purchase them using your Visa Infinite card and meet the terms and conditions of the benefit.

Q: What are the timelines for filing a claim?

A: You must (1) file a police report within 48 hours of becoming aware of the theft (2) notify the Benefit Administrator within 60 days of the theft or damage and (3) submit your completed claim form and supporting documentation within 90 days of the theft or damage. The Benefit Administrator will ask you to include all of the items in your claim because there may be some items that are not eligible and they will want to be able to get you the highest reimbursement amount that you are eligible for.

Call anytime for Travel or Emergency Assistance, available for covered Visa Infinite cardholders from anywhere in the world.

When you are traveling or working anywhere in the world, your covered Visa Infinite Card gets you access to a multilingual call center—24 hours a day, 365 days a year—to help get the assistance you need. Covered Visa cardholders, their spouses and dependent children under 22 years of age or under who are traveling with them can call a dedicated toll-free number in the United States, or call collect when traveling abroad. Keep in mind this program provides assistance only. Cardholders are responsible for the cost of any services received.

Emergency Message Service can relay emergency messages for travelers and is available 24 hours a day.

Prescription Assistanceand Valuable Document Delivery Arrangements can accommodate unexpected prescription needs or transport critical documents (e.g. passport or travel visa), which may have been left at home or elsewhere.

Emergency Ticket Replacement arranges for the replacement and delivery of new tickets, and assists with ticket reimbursement procedures.

Lost Luggage Locator Service can help you through the common carrier’s claim procedures or can arrange shipment of replacement items if an airline or common carrier loses your checked luggage

Emergency Translation Service provides telephone assistance in all major languages and helps find local interpreters, if available.

Easy Access

Call 1-800-546-9806 (Outside the U.S. call collect at 1-804-673-7481) to get your questions answered. This benefit is provided on a best-effort basis, and may not be available due to problems of time, distance, or location.

Please keep in mind that you will want to read the full terms and conditions for further details including restrictions, limitations and exclusions. You can also check with your card issuer for a copy of your Guide to Benefits.

Add Peace of Mind to your Itinerary

When you purchase your airline ticket with your covered Visa Infinite Card you can receive $500,000 of accidental death and dismemberment coverage. This coverage applies to more than air travel – it also can be in place when you have used your covered Visa card to purchase your ticket for travel via other forms of transportation, such as ferry, train, or bus.

Coverage includes courtesy ground transportation to and from the airport and between terminals and while you are at the airport immediately before departure, or immediately after arrival on any scheduled covered trip.

Below you will find answers to the some of the most commonly asked questions about the benefit.

Q: Who is covered under the program?A: Covered Visa Infinite Cardholders and their dependents are covered when their tickets are purchased with your covered Visa Infinite card.

Q: How does the benefit work?A: The Plan Administrator will pay Accidental Death & Dismemberment benefits if you are injured while riding as a fare-paying passenger in, or getting on or off of, a flight or other common carrier for which a ticket was purchased using your eligible Visa card.

Q: How does the Travel Accident Protection work if I have other coverage?A: This benefit is paid to you regardless of other coverage you may have.

When you purchase your travel ticket with your Visa Infinite card and you must cancel or interrupt your trip, this benefit can help reimburse you for the nonrefundable cost of your passenger fare. Available to all Visa Infinite cardholders. It may also be available on other card products, call your issuer to see if you have this benefit.

Add Peace of Mind to your Itinerary

When you purchase your travel ticket with your Visa Infinite card and you must cancel or interrupt your trip, this benefit can help reimburse you for the nonrefundable cost of your passenger fare. This coverage applies to more than air travel —it also can be in place when you have used your Visa Infinite card to purchase your ticket for travel via other forms of eligible transportation, such as a ferry, train, bus or cruise ship ($2,000 per trip maximum).

Below you will find answers to some of the most commonly asked questions about the benefit

Q: What is covered by Trip Cancellation & Trip Interruption?

A: This benefit will reimburse the cardholder for non-refundable passenger fare incurred for the trip when the trip is cancelled or interrupted for a covered reason ($2,000 per trip maximum). So, for example, if you qualified under this benefit and your non-refundable airline fare were $600, you could be reimbursed the full $600. If your non-refundable cruise fare were $3,000, you could be reimbursed a maximum of $2,000 since that is the maximum benefit allowed. You must relinquish any unused vouchers, tickets, coupons or travel privileges that have been reimbursed to you. Please note, this benefit pays your non-refundable expenses only — so if you had any portion of your fare reimbursed, this benefit considers what has not been reimbursed to you after all other sources have paid you.

Q: What is not covered?

A: You will want to read the full Terms and Conditions, but in general, examples of instances when you would not be covered include trips cancelled as a result of a pre-existing condition, accidental injuries arising from participation in some sporting events, racing or speed contests, or uncertified scuba diving. Most cosmetic surgery is also excluded. Additionally, the ill or injured person cannot have been under the influence of drugs (except those prescribed and used as directed by a physician) or alcohol.

Q: Who is covered under the program?

A: Visa Infinite cardholders and their immediate families are covered when their tickets were purchased with an eligible Visa Infinite card.

When you purchase your airline ticket with your Visa Infinite card and your flight is delayed by more than six hours or requires an overnight stay, Trip Delay kicks in. This benefit will reimburse you for the reasonable expenses that you incur as a result of that delay ($500 maximum per ticket). Available to all Visa Infinite cardholders. It may also be available on other card products, call your issuer to see if you have this benefit.

This coverage is in place even if the delay is due to bad weather or mechanical problems. And this benefit works in addition to any airline vouchers you may receive for food or hotels. Be sure to pay for your entire fare with your Visa Infinite card and remember to save your receipts - you'll need them when filing your claim.

Please keep in mind that you will want to read the full terms and conditions for further details including restrictions, limitations, and exclusions or check with your card issuer for a copy of your Guide to Benefits.

Below you will find answers to some of the most commonly asked questions about the benefit.

Q: Don’t the airlines cover me when my flight is delayed?

A: It depends. Airlines generally don’t do anything when the delay is weather related. If the delay is due to other factors (e.g., mechanical problem), you may get a food or hotel voucher. Food vouchers can be as low as $10 — which may or may not cover a reasonable meal. Trip Delay can be used on top of any vouchers you receive. This benefit covers reasonable expenses that you incur as a result of the flight delay or cancellation ($500 maximum per ticket).

Q: What’s considered a “reasonable expense” to qualify for reimbursement?

A: A “reasonable expense” is something you would not have had to purchase if you had been on your flight, such as food during the duration of your delay or a hotel stay for the duration of your delay, or transportation to the hotel and back to the airport. Generally speaking, a taxi would be considered reasonable whereas a stretch limousine would not be considered reasonable. These costs have to be incurred during the delay. Save all your receipts — you’ll need them when you file your claim.

Q: What do I do if my flight is delayed?

A: Make your travel arrangements (get re-booked on another flight if necessary, etc.). Have your information handy (e.g., airline, flight number, scheduled departure date and time, actual departure date and time). Then go to www.eclaimsline.com or call 1-800-546-9806 (outside the U.S. call collect 1-804-673-7481) to file a claim or get your questions answered. You have to contact the Benefit Administrator within 30 days of the delay as outlined in the terms and conditions of the benefit. You’ll need to save all of your receipts to submit them with your claim.

Q: Who qualifies for coverage?

A: You, your spouse and your dependent children under 22 years of age are covered when tickets are purchased with your Visa Infinite card.

Q: How do you know that my flight was delayed and for how long?

A: Airlines provide information to the Benefit Administrator so they can see how long a flight was delayed.

Q: What if we’re sitting on the tarmac for two hours and then the carrier brings the plane back to the gate for another four-hour delay — does this count?

A: Yes. The amount of the delay is based on the originally scheduled departure time, so the time spent on the tarmac is included. In other words, two hours on the tarmac plus four additional hours back at the gate is a six hour delay. If the delay caused you to buy an unplanned meal at the airport, you would be able to submit a claim for reimbursement since your delay was for more than six hours.

Extend your warranty’s time period

When you use your Visa Infinite card for your purchase, Warranty Manager Service will add one additional year of coverage to your existing U.S. manufacturer’s warranty of three years or less.

To file a claim or register your product go to www.cardbenefitservices.com or call 1-888-221-3289 to file a claim or get your questions answered.

Please keep in mind that you will want to read the full terms and conditions for further details including restrictions, limitations and exclusions. You can also check with your card issuer for a copy of your Guide to Benefits.

Below you will find answers to some of the most commonly asked questions about the benefit.

Q: How does Warranty Manager Service work?

A: This benefit matches the terms and conditions of the manufacturer’s warranty and extends the time period of the original manufacturer’s warranty by one additional year. So, for example, if the original warranty was for six months, this benefit would extend the warranty for an additional year so you would have a total of 18 months of coverage; if the original warranty was for two years, this benefit would extend the warranty for an additional year so you would have a total of three years of coverage. There is a per claim maximum of $10,000 and a per cardholder maximum of $50,000.

Q: What are the limitations?

A: You will want to read the full terms and conditions, but here are some examples: the item must be purchased with your Visa Infinite card and the extension of the
warranty’s time period applies to U.S. warranties only. Some items are excluded from coverage, such as motorized vehicles, real estate, computer software, medical equipment and items that are pre-owned or used.

Q: What are the timelines for filing a claim?

A: You must notify the Benefit Administrator within 60 days of the failure and submit your completed claim form within 90 days of the failure.

Q: What paperwork do I need to submit with my claim?

A: In addition to the claim form, you will need the following:

An itemized sales receipt for the purchase — if you don’t have this, the store where you made the purchase may be able print a duplicate receipt for you.

Your Visa Infinite card billing statement showing the purchase — your bank can usually make a copy for you.

A copy of the original manufacturer’s warranty — a copy can usually be downloaded and printed from the manufacturer’s website.

The Benefit Administrator may ask you to provide additional information, such as a repair estimate (if applicable).

When you use your Visa Infinite card to purchase an airline or common carrier ticket you can be eligible to receive reimbursement for your checked or carry-on luggage and its contents in the event it is lost due to theft or misdirection by the airline ($3,000 per trip maximum; if you live in New York, the maximum is $2,000 per bag).

Add Peace of Mind to your Itinerary

When you purchase a trip with your Visa Infinite card you may be eligible to receive reimbursement if your checked luggage or carry-on baggage and/or its contents are lost due to theft or misdirection by a common carrier.

You can be reimbursed the difference between the value of the amount claimed and the common carrier payment up to $3,000 per trip (New York residents, coverage is limited to $2,000 per bag), provided the luggage was lost due to theft or misdirection by the common carrier.

Easy Claims Process

Collect your documents (lost luggage report, dates of travel, etc.) and go to www.eclaimsline.com or call 1-800-546-9806 (outside the U.S. call collect 1-804-673-7481) to file a claim or get your questions answered. Please note that notification to the Benefit Administrator must be made within 20 days from the date the luggage was lost or stolen.

Please keep in mind that you will want to read the full terms and conditions for further details including restrictions, limitations, and exclusions or check with your card issuer for a copy of your Guide to Benefits.

Below you will find answers to some of the most commonly asked questions about the benefit.

Q: How does the reimbursement work?

A: Before you leave the airport (or bus depot, train station, etc.), you will need to file a report with the airline or common carrier. They’ll give you a copy of this report. Within 20 days, you’ll need to notify the Benefit Administrator of the loss and within 90 days you will need to send in your claim form information in order to process your claim. You can file your claim online at www.eclaimsline.com or you can contact the Benefit Administrator at 1-800-546-9806. Under normal circumstances, once the Benefit Administrator has all the paperwork they need to process the claim, a decision will be made within five business days. The Benefit Administrator will send you notification of their decision.

Q: What if my luggage isn’t found — how do I prove what I had in it and how much it was worth?

A: If you have receipts for your luggage and the items you had in your luggage that is great. Otherwise, the Benefit Administrator will help you arrive at the value of the lost items.

Q: What kinds of things aren’t covered?

A: There are always exclusions — some items to be aware of are animals, eyeglasses, contacts, hearing aids, artificial limbs, false teeth, dental bridges or appliances (such as retainers). Also, money, deeds, keys, food stamps, business items and cellular telephones are not covered. You’ll want to read the Terms and Conditions of the benefit for complete details.

Q: What tips do you have to help me make my trip go smoothly in the event that my luggage is lost?

A: Make photocopies of your passport, travel visa and prescription medications. Keep one copy on you and give another to someone at home that you trust. Bring the 800 number with you so the Benefit Administrator can help assist you in the event your checked or carry-on luggage gets lost or stolen.

As a Visa Infinite cardholder, you have access to Roadside Dispatch®, a pay-per-use roadside assistance program.

Simply call 1-800-847-2869, 24 hours a day/7 days a week. It’s that easy! Roadside Dispatch will ask you where you are, what the problem is and will remain on the phone while arranging a dispatch to a reliable tow operator or locksmith. You pay a set rate per service call. No membership required and you don’t need to pre-enroll. No annual dues. No limit on usage. Available to all Visa Infinite cardholders. It may also be available on other card products, call your issuer to see if you have this benefit.

Add peace of mind to your itinerary

For a set price per service call , the program provides:

Standard Towing – Up to 5 miles included1

Tire Changing – must have good, inflated spare

Jump Starting

Lockout Service (no key replacement)

Fuel Delivery – up to 5 gallons (plus the cost of fuel)

Standard Winching

Not only will you not have to search for the name of a local tow operator, you may even save money because rates are pre-negotiated. All fees are conveniently billed to your Visa account.

Please keep in mind that you will want to read the full terms and conditions for further details including restrictions, limitations and exclusions. You can also check with your card issuer for a copy of your Guide to Benefits.

Below you will find answers to some of the most commonly asked questions about the benefit.

Q: Who are the service providers and what do they provide?

A: Service providers are independent contractors that provide emergency roadside assistance and towing services. All contractors are solely liable for their services.

Q: What other fees or limitations should I keep in mind?

A: Customers must pay service provider for mileage over 5 miles. A secondary unit being towed behind is not included but can be accommodated for an additional fee. Standard Winching applies within 100 feet of paved or county maintained road only. Current fee for a standard service call is $69.95. Additional fees may apply for winching services under certain circumstances.

You are responsible for any roadside assistance or towing charges incurred by facilities responding to your request even if you are not with your vehicle or your vehicle is gone upon their arrival.

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